ActiveJoe tools
Turn “what if?” into a useful number.
Use our free planning tools to understand the protection gaps that could affect your family or income. No personal details are needed to see your result.
Free planning tools
Start with the gap you want to understand.
These calculators provide general estimates to help you prepare for a conversation with a regulated protection adviser.
Family Protection Calculator
Estimate the financial support your family may need if you were no longer there to provide for them.
- Household debts and mortgage
- Ongoing family income needs
- Education and childcare costs
- Existing cover and savings
Sick Pay Gap Calculator
Estimate how long your continuing income and savings could cover essential household costs if illness stopped you working.
- Monthly essential spending
- Employer or continuing sick pay
- Available emergency savings
- Different time periods
Important: Results are illustrative and are not a personal recommendation, quotation or guarantee of cover. Actual needs, premiums and eligibility depend on your circumstances, underwriting and policy terms.
What happens next
Use the result to ask better questions.
Keep exploring: compare income protection and critical illness cover, see how discounted life insurance works, or visit the Protection Guides hub.
Know your numbers. Then explore your options.
Request a free quote when you are ready to speak with a protection adviser. There is no obligation to proceed.